Compare
Which one suits you
Two ways to run your business with Truster. Both handle your bookkeeping, just differently.
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Own Account vs. Client Funds
Client Funds — 3.99% — Per invoice or €55/month flat rate
Own Account — €59.90/month — Everything included
Pricing: Percentage-based or flat rate / Flat monthly price
Bank account: Truster's account / Your own business bank account
Bookkeeping: check / check
Invoicing: check / check
Receipt scanner: dash / check
VAT filings: check / check
Tax filings: check / check
Your own IBAN on invoices: dash / check
Bank sync: dash / check
Truster Turva: check / check
Both services include support from a bookkeeper and Truster Assistant.
When to choose which
- 01
You want to start light
Client Funds is a great fit when you want to get started quickly without a business bank account of your own. Your customers pay into Truster's account, and we take care of taxes and payments for you.
- 02
You need your own bank account
Own Account is the right choice when you want a professional touch with your own IBAN on your invoices. The money goes straight into your own business account.
- 03
You want full control
Own Account gives you real-time visibility into all your bank transactions. It includes a receipt scanner, automatic reconciliation and a cash flow view.
- 04
You're already using Client Funds
You can switch to Own Account at any time from the app. Your invoicing history, customer information and all your data stay intact. The switch takes just minutes.
You can switch anytime
Moving from Client Funds to Own Account can be done at any time from the app. All your data transfers automatically: invoicing history, customer records and account settings. You can also try Own Account first and switch back if it's not the right fit.
Questions about the differences between the services
What's the difference between Own Account and Client Funds?
With Client Funds, your customers pay into Truster's account and we handle taxes on your behalf. With Own Account, the money goes straight into your own bank account and Truster automates bookkeeping through bank synchronization.
Which one is cheaper?
It depends on your invoicing volume. Client Funds is more affordable at lower volumes (3.99% per invoice). Own Account has a flat price of €59.90/month and includes a receipt scanner, so at higher volumes it works out cheaper.
Can I switch from Client Funds to Own Account?
Yes, at any time from the app. All your data is preserved and the switch takes just minutes.
Which one gives me my own IBAN?
Only with Own Account. With Client Funds, your customers pay into Truster's account. With Own Account, your own business bank account appears on every invoice.
Do I need a Business ID (Y-tunnus) for Own Account?
Yes. Own Account is designed for registered sole proprietors (toiminimi) who have their own Business ID (Y-tunnus) and business bank account.
Two service models, one goal
Truster's two service models serve different situations. Client Funds is designed for entrepreneurs who want to get started quickly without a business bank account of their own. It's especially well suited to light entrepreneurs and side-hustlers who value simplicity.
Own Account is intended for full-time sole proprietors who want full control over their cash flow. Connecting your own bank account brings a receipt scanner, automatic reconciliation and real-time visibility into your cash flow. Both services include bookkeeping, invoicing and tax reporting.
Choose the way that suits you
Get started with Client Funds or Own Account. You can switch at any time.
Client Funds
An easy way to start your business
With Client Funds, your customers pay into Truster's account. We handle taxes and VAT automatically and pay the net amount into your account. You don't need a business bank account or a Business ID (Y-tunnus). Own Account brings more flexibility: your own bank account, a receipt scanner, a real-time cash flow view and automatic reconciliation. Either way, we take care of bookkeeping and taxes for you.